- Joining FeeRs. 500 + GST
- Annual FeeRs. 750 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 Reward Points on every spend of Rs. 150.
Welcome Benefits
300 bonus Reward Points.
Punjab National Bank RuPay Credit Cards
- Updated On: 5 January, 2026
RuPay credit cards have become increasingly important in India. As a local card payment network, RuPay offers a secure and affordable choice for many consumers. These cards promote digital payments and decrease dependence on foreign systems. With benefits like lower fees and cashback offers, RuPay cards are gaining popularity among both individuals and businesses.
Punjab National Bank now offers a variety of RuPay credit cards for its customers. These cards provide security and rewards, making them a good choice for people of different age groups with different spending habits. PNB’s RuPay Credit Cards feature waived fees, cashback on certain transactions, and free access to airport lounges both international and domestic.
This initiative helps the customers manage their expenses better. It also helps promote digital payment solutions throughout the country. With PNB’s RuPay cards, cardholders can make financial transactions in India as well as in select international countries and enjoy the benefits that come with them.
Table of Contents
Popular PNB RuPay Credit Cards
- Joining FeeNil
- Annual FeeNil
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Points per Rs. 100 spent
Welcome Benefits
300 Reward Points
- Joining FeeRs. 2,000 + GST
- Annual FeeRs. 2,000 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
Earn 4 Points For Every ₹100 Spent
Welcome Benefits
Voucher worth ₹3,000 for flight, hotel, and holiday bookings and 300 reward points on the first transaction
- Joining FeeNil
- Annual FeeRs. 500 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Point on every spend of Rs. 150 and 2% cashback at Patanjali stores.
Welcome Benefits
300 bonus Reward Points
- Joining FeeRs. 500 + GST
- Annual FeeRs. 750 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 Reward Points on every Rs. 150 spent, and 2% cashback on Patanjali products.
Welcome Benefits
300 bonus Reward Points on the first transaction and 2x Reward Points for retail purchases within the first 90 days.
- Joining FeeRs. 399 + GST
- Annual FeeRs. 999 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
Earn 2 reward points on every other Rs. 150 spent on this card. Earn 50 extra bonus reward points on registering for E-bill facility.
Welcome Benefits
On swiping a card for the first time within 90 days of issuance, you can earn 300 bonus reward points for retail/online transactions. Earn 2x reward points on retail merchandise/online transactions within 90 days of receiving the card (except on fuel and cash withdrawal).
Compare Features of PNB RuPay Credit Cards
| Categories | PNB EMT RuPay Platinum Credit Card | PNB RuPay Select Credit Card | PNB RuPay Platinum Credit Card |
| Joining Fee | ₹2,000 + GST | ₹500 + GST | Nil |
| Renewal Fee | ₹2,000 + GST | ₹750 + GST | Nil |
| Best Suited For | Travel | Shopping | Shopping/Travel |
| Reward Rate | N/A | 2 RPs for every ₹100 spent on eligible products | 1 RP for every ₹100 spent on eligible transactions |
| Welcome Benefit |
|
Bonus 300 RPs on the first transaction | 300 bonus RPs on the first transaction |
| Airport Lounge Access |
|
|
|
| Movie & Dining | N/A | Cashback on dining at select restaurants | N/A |
Benefits of Having PNB RuPay Credit Cards
- Waived Fees: Many PNB RuPay credit cards have low joining and renewal fees, which can be waived if you use the card regularly, usually just once a quarter.
- Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharges for transactions, helping you save money on fuel purchases.
- Cashback Offers: Some cards offer cashback deals on categories like dining and shopping.
- Easy Redemption: Redeem your Reward Points easily through the PNB Rewardz portal, where each point has a clear value.
- Concierge Services: Access concierge services for assistance with dining reservations, event bookings, and emergency support.
- Special Offers: Stay informed about special deals and discounts for RuPay cardholders, which will help you save money with your daily purchases.
Information About PNB RuPay Credit Cards
PNB RuPay Select Credit Card
The PNB RuPay Select Credit Card is a basic card from Punjab National Bank, perfect for people who want a card with low charges. It has a joining fee of ₹500 and an annual fee of ₹750, which can be waived if you use the card at least once each quarter. As a welcome benefit, you earn 300 bonus Reward Points after your first transaction within 90 days. You will get 2 Reward Points for every ₹150 spent on retail purchases. During the first three months, you can earn double points on all online and merchandise transactions. To redeem your Reward Points, which are valid for three years, you must have at least 500 points, and each point is worth ₹0.25 when redeemed through the PNB Rewardz portal.
Travelers can enjoy two complimentary domestic airport lounge accesses each quarter and four international lounge accesses annually. The card includes complimentary insurance coverage worth ₹10 lakhs in case of accidental death. For fuel transactions between ₹500 and ₹3,000, you receive a 1% fuel surcharge waiver.
PNB RuPay Platinum Credit Card
The PNB RuPay Platinum Credit Card has a joining fee of ₹500 and provides 300 Reward Points as a welcome bonus upon the first swipe within 90 days of activation. Cardholders earn 1 Reward Point for every ₹100 spent on eligible transactions, with an additional 50 points for registering for the E-bill facility. The card features complimentary lounge access at both domestic and international airports, with up to two accesses per quarter.
The annual fee can be waived by making just one transaction every quarter, a feature not provided by other banks. Additional perks include a 1% waiver on fuel surcharges, accidental insurance coverage of ₹2 lakhs, and easy redemption of Reward Points through the PNB Rewardz website, where each point equals ₹0.25. The card includes concierge services for dining, event bookings, and emergency support, making it a preferred choice for travelers.
PNB RuPay EMT Platinum Credit Card
The PNB EMT RuPay Platinum Credit Card is a co-branded card from Punjab National Bank and EaseMyTrip. It comes with a joining fee of ₹2,000, which can be waived if you spend over ₹1 lakh in a year. As a welcome gift, you get 300 Reward Points after your first transaction and a voucher worth ₹3,000 for booking flights, hotels, and holidays. There are also insurance benefits of up to ₹2 lakhs for accidental death and personal total disability.
For travelers, this card provides eight complimentary visits to domestic airport lounges annually and two visits to international lounges yearly. You can enjoy discounts on flight and hotel bookings such as 10% off on domestic flights and 20% off on hotels, with this card.
This card does not offer discounts for movies and dining, has limited international benefits, and does not have a reward system, making it a unique choice for potential cardholders.
PNB RuPay Platinum Patanjali Credit Card
The PNB RuPay Platinum Patanjali Credit Card offers users benefits with no joining fee and a nominal renewal fee of ₹500, which can be waived if you use the card at least once per quarter. Designed particularly for loyal Patanjalifollowers, users earn 2% cashback on purchases at Patanjali stores and 1 Reward Point for every ₹150 spent elsewhere. You even receive 300 bonus Reward Points after your first transaction within the first 90 days.
The card includes complimentary access to domestic airport lounges twice every quarter. It also provides insurance coverage of ₹2 lakhs against accidental death or personal disability. Other perks include exclusive discounts on dining at participating restaurants and a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.
PNB RuPay Select Patanjali Credit Card
The PNB RuPay Select Patanjali Credit Card provides benefits aimed at Patanjali customers. It has a joining fee of ₹500 and an annual fee of ₹750, which can be waived if you use the card at least once each quarter. You earn 2 Reward Points for every ₹150 spent on eligible transactions, and you also earn 2% cashback on purchases of ₹2,500 or more at Patanjali stores. As a welcome gift, you receive 300 bonus Reward Points after your first transaction, along with double Reward Points for the first 90 days.
The card includes complimentary access to domestic airport lounges, allowing two visits every quarter. You even get accidental death insurance coverage worth ₹10 lakhs. There’s a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹350 per billing cycle.
PNB RuPay Millennial Credit Card
The PNB RuPay Millennial Credit Card is designed for health-conscious and shopping enthusiasts, with a joining fee of ₹399 plus taxes. The card offers a variety of benefits, including a complimentary gym membership and a premium health checkup package. Upon activation, you earn 300 bonus reward points for your first purchase within 90 days. You can earn double Reward Points on retail and online transactions during this period, except for fuel and cash withdrawals.
For every ₹150 spent, you earn 2 Reward Points, which can be redeemed for movie tickets, hotel bookings, and other items. This card also provides travel perks, such as 2 complimentary domestic lounge accesses each quarter and 2 international lounge accesses annually, and insurance coverage of up to ₹10 lakhs, along with complimentary golf sessions.
The renewal fee is ₹999 plus taxes, which can be waived if you spend ₹1 lakh in the previous year. The card also offers a fuel surcharge waiver and low interest rates, making it a versatile choice for millennials.
How to Apply for PNB RuPay Credit Cards?
Are you impressed with the perks of RuPay credit cards from Punjab National Bank and want to apply for them? Follow the steps below:
Visit your nearest PNB branch and bring all the required documents. Ask a bank official for the physical application form. Complete the form with all the necessary details and submit it to the bank with the required documents.
Or Apply Online:
- Go to the official website of Punjab National Bank.
- Look for the Resource Centre and click on the Credit Card Application Form.
- Download the application form and print it.
- Complete the form with all the required information.
- Take the filled form and documents to your nearest PNB branch and submit them.
Bottom Line
Punjab National Bank’s RuPay credit cards are secure, affordable, and rewarding, making them a good choice for many people. They have low joining and renewal fees which can be afforded by common people. Benefits include cashback offers and access to airport lounges along with concierge services and insurance benefits. You earn Reward Points on everyday purchases and can easily redeem them. Whether you travel often or enjoy shopping, there’s a PNB RuPay credit card for you. These cards promote digital payments, helping you manage your finances and supporting India’s homegrown payment network.
FAQs:
What types of PNB RuPay credit cards are available?
Popular options include PNB RuPay Select Credit Card, PNB RuPay Platinum Credit Card, and PNB Millennial Credit Card, each designed to meet different customer needs.
Are there any welcome benefits?
Yes, most cards come with welcome benefits, such as bonus Reward Points or vouchers for travel bookings when you make your first transaction.
Can I access airport lounges with PNB RuPay credit cards?
Yes, certain PNB RuPay credit cards offer complimentary access to domestic and international airport lounges.
How can I redeem my Reward Points?
You can redeem your Reward Points through the PNB Rewardz portal. Each point typically has a clear value that you can use for discounts or gifts.